Apping with Credit Freeze

Apping with Credit Freeze

I am just wondering if anyone apps knowing that there credit files are froze just to see which report they will pull for future apps. Do you think that there would be a negative to that?

I dont plan on apping for a long time but I was considering on appling for a few cards just to see which file they were going to pull. Two reasons for this would be. One I would only app for the ones that were going to pull the file that I wanted. Two I would not have to unfreeze all Three just for one app.

I was thinking that it might throw a flag when I actually want to apply. Has anyone done this before?

Re: Apping with Credit Freeze

I am just wondering if anyone apps knowing that there credit files are froze just to see which report they will pull for future apps. Do you think that there would be a negative to that?

I dont plan on apping for a long time but I was considering on appling for a few cards just to see which file they were going to pull. Two reasons for this would be. One I would only app for the ones that were going to pull the file that I wanted. Two I would not have to unfreeze all Three just for one app.

I was thinking that it might throw a flag when I actually want to apply. Has anyone done this before?

This practice (trying to control what reports lenders pull via freeze) is frowned upon my myfico and these forums. It is considered unethical.

Re: Apping with Credit Freeze

If you don't want to waste money unfreezing, you can just apply first. The lender will tell you which bureau to unfreeze specifically and there's rarely any negotiation or bargaining as to have them change the bureau they want to pull from

Some lenders might sense something fishy going on and pull all 3 in the end, especially if you talked to a human recon trying to get them pull somewhere else.

Re: Apping with Credit Freeze

enharu wrote:If you don't want to waste money unfreezing, you can just apply first. The lender will tell you which bureau to unfreeze specifically and there's rarely any negotiation or bargaining as to have them change the bureau they want to pull from

Some lenders might sense something fishy going on and pull all 3 in the end, especially if you talked to a human recon trying to get them pull somewhere else.

Re: Apping with Credit Freeze

I was thinking that it was unethical LS. Let me reword to a more specific question. After gardening for a while i want to try for discover. I did searches for which they will pull (50/50 TU EQ). If I applied now and don't unlock my file. Then when ready to apply I unlock that CR and reapply. I don't want them to be forced to do another report. Just a little preparation.

Re: Apping with Credit Freeze

staifokuzed wrote:I was thinking that it was unethical LS. Let me reword to a more specific question. After gardening for a while i want to try for discover. I did searches for which they will pull (50/50 TU EQ). If I applied now and don't unlock my file. Then when ready to apply I unlock that CR and reapply. I don't want them to be forced to do another report. Just a little preparation.

I understand.

You should also know that whatever file they pull there is no guarantee they will pull that same file when you apply down the road. If you are considered borderline approval to them they may also pull additional bureaus.

Re: Apping with Credit Freeze

Good point Ls. Seems unwise to attempt it. I have been thinking about for a couple of days just needed some outside input. So what i am gathering is that when ready to apply just apply then unlock requested reports.

Re: Apping with Credit Freeze

staifokuzed wrote:Good point Ls. Seems unwise to attempt it. I have been thinking about for a couple of days just needed some outside input. So what i am gathering is that when ready to apply just apply then unlock requested reports.

I would unfreeze your files then apply. Your only asking for more questions from them and possible multiple HP's by apping with the freezes intact.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.